Money Smart Week 2015 Calendar

Bloomington-Normal

Calendar of Events moneysmartweek.org

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MONEY SMART

Pantagraph, Friday, April 17, 2015

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Money Smart Week Kid Essay Contest Finalists Earlier this year, McLean County 6-8th graders were encouraged to write a 500 word essay on the following: What is the biggest obstacle to saving your money? What technological and/or banking solutions might help you and your friends begin to save?

Camron Hinman Camron is an 8th grader at Chiddix Jr. High School. He enjoys baseball, soccer, track and cross country. Camron is also involved with the student council, as well as jazz and concert bands. His dream job is to become a professional soccer player.

Jack Kolb Jack is a 7th grader at Evans Jr. High School. Math and science are his favorite subjects; he enjoys the challenge of solving difficult problems.

Outside of the classroom, Jack enjoys playing hockey, soccer and violin. He aspires to be a doctor.

The essays were intelligent, thoughtful and creative. Our community is fortunate to have so many youth who are passionate about financial literacy!

Congratulations to all who entered the contest to complete for scholarships! The finalists are‌

Asia Quizon-Colquitt Asia is a 7th grader at Parkside Jr. High School. She enjoys social studies and learning about cultures around the world. Asia plays cello, trombone and runs cross country. Asia’s dream job is to become a zoologist.

R. West Reardon West is in 7th grade at Bloomington Jr. High School.

His favorite subjects are English and geography. West likes to play hockey, lacrosse and read. He plans to study law and become an attorney.

Salman (Sunny) Shaheen Sunny is a 7th grader at Chiddix Jr. High School and is our 2015 Money Smart Kid. His favorite subject is social studies because they discuss cultures around the word and the impact they have on one another. Sunny enjoys playing soccer and reading historical fiction. He aspires to be an architect.

DID YOU KNOW? The City of Bloomington, Community Development Division offers 0% interest on deferred loans to single family owner occupied property owners that meet HUD Income requirements for housing rehabilitation.

Electrical, Plumbing, Siding and Roofs are just a few items we assist with.

Community Development is seeking contractors to work in our rehab program.

Minority, Women and Disabled contractors/business owners are encouraged to apply.

For more information and/or applications to apply, Please contact:

Donna Gerron @ 309-434-2244

MONEY SMART

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Pantagraph, Friday, April 17, 2015

Happy Money Smart Week!

If I told you Money Smart Week distributed cold, hard cash would you attend a class? If it sounds too good to be true it probably is, right? Well what if I told you Money Smart Week will help you save, spend and invest wisely which eventually turns into more cold hard cash for you? You should dream big when it comes to your money, and we have classes to help you achieve those dreams.

Money Smart Week, April 18-25, is a national public awareness campaign coordinated by the Federal Reserve Bank of Chicago to help individuals and families better manage their personal finances.

More than 3500 free Money Smart Week events will be hosted throughout the country on topics ranging from saving for college and managing student loan debt to budgeting and retirement.

Bloomington-Normal hosts more than 100 free classes on different dates and at times and locations to fit into your busy schedule.

Want tips to balance your budget, eliminate debt and invest wisely? We have these topics covered, as well as special interests: how to save money on

everyday shopping, home/garden and transportation.

Kids can join the fun at Money Smart Kids Read. Hundreds of children throughout Illinois will read “Lemonade for Sale” and learn the basics about earning, saving and spending money wisely.

Transform your money dream into reality. Review this calendar, choose a class to attend, bring a friend and spread the word. For additional updates, like us on Facebook at MoneySmartWeekBN and follow us on Twitter @MSWBloNo. See you at Money Smart Week!

Melissa Libert Committee Chair Money Smart Week Bloomington-Normal melissa.libert@countryfinancial.com or 309-821-4363 www.moneysmartweek.org Money Smart Week is a registered service mark of the Federal Reserve Bank of Chicago.

The Federal Reserve Bank of Chicago does not endorse or sponsor any non-Federal Reserve Bank-related entities and/or their products and services mentioned herein. This publication is brought to you by the Money Smart Week partners of Bloomington-Normal.

Money Smart

Kids Read Kids 3 & up join us Saturday, April 18 at 10:00 am at the following locations for a reading of Lemonade for Sale:

Are you ready to become MoneySmart?

Invest in your child’s future with Busey’s MoneySmart Youth Program.

Learning how to manage money and make responsible decisions at an early age is important for the future of our children. In fact, research shows young people determine their attitude about handling money by the time they finish fifth grade. Busey invites the community to utilize our MoneySmart Youth video and game resources on busey.com.

Busey. Your Dream. Our Promise.

• Bloomington Public Library • Towanda District Library • Children’s Discovery Museum First 15 kids get a free copy of the book and a goody bag

Free museum admission for the first 50 people to RSVP to 433-3448

busey.com 309.661.8700

Member FDIC

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MONEY SMART

Pantagraph, Friday, April 17, 2015

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Date/Time: Program Title Saturday, April 18 2015

Venue

Description:

9:00 AM 9:00 AM 9:30 AM 10:00 AM 10:00 AM 10:00 AM 10:00 AM 10:00 AM 10:45 AM 11:00 AM

University of Illinois Extension US Bank Good Shepherd Lutheran Church Home Depot Towanda Public Library Bloomington Public Library Children's Discovery Museum University of Illinois Extension Good Shepherd Lutheran Church University of Illinois Extension

Can’t obtain a home loan due to credit, debt or not enough money? Learn the steps to correct those problems and get on the track.

Learn how to do business with State and Federal Agencies - How to qualify and if you can get preferred status.

Learn basic tools on how to find your net income and set realistic financial goals. Discover how to calculate expenses & profit.

For additional information check this website--workshops.homedepot.com Have fun with money! The session includes a story, activity and take home items.

Have fun with money! The session includes a story, activity and take home items.

Have fun with money! The session includes a story, activity and take home items.

Learn how to rebuild your credit and increase your credit score. Acquire the knowledge to improve your credit through money management!

“Needs Based” Planning, (how much insurance should I have/what are risks?), Types of Life Ins plans available, and Tax Sheltering Secrets.

Credit cards are essential and good but can at times cause you problems. Learn when to use them and how to avoid the traps that can hurt you!

US Bank US Bank US Bank OSF - Center for Healthy Lifestyles US Bank US Bank Towanda Public Library US Bank Sugar Creek Elementary School Towanda Public Library Mid Central Community Action

Discuss strategies on saving and avoiding taxes and methods on consolidating assets. Learn how to access your retirement account.

Learn the benefits of funeral pre-planning and how this decision can impact one's family, finances, and future both positively and responsibly.

Techniques to protect computers, smartphones, and tablets from spyware, viruses, phishing schemes, and ransomeware.

Learn about maximizing tax savings and create a tax-free wealth transfer.

Planning for Incapacity: The Power of Attorney and Revocable Trust Come with questions and the panel of local bankers will help you get the biggest bang for your buck from your bank or credit union.

What you need to know about supermarket stategy and ways to cut food costs.

Learn strategies that could possibly save you thousands of dollars in lost benefits. More than just a "Do I take it early or not" decision.

Learn basic tools on how to find your net income and set realistic financial goals. Discover how to calculate expenses & profit.

"Compare Labels, Contents and Cost. Taste sample foods, examine quality and quantity. Non foods will also be evaluated Charlotte Talkington.

Learn to maximize use of grants, financial aide & scholarships. Discuss using IRAs and Roth IRAs for education, and how to set up a 529 account.

University of Illinois Extension Bloomington Housing Authority Bloomington Public Library University of Illinois Extension Bloomington Public Library University of Illinois Extension Bloomington Public Library University of Illinois Extension University of Illinois Extension Bloominigton Public Library University of Illinois Extension Bloomington Public Library University of Illinois Extension University of Illinois Extension Bloomington Public Library Chestnut Health Systems University of Illinois Extension Bloomington Public Library Sugar Creek Elementary School University of Illinois Extension

No matter what your future holds, you need to know how to navigate through the financial world.

Obtain a credit bureau reports through annualcreditreport.com and review it and learn how to correct any errors.

Learn basics of tax planning and estate planning. Free wills will be provided to attendees.

Overview of tax-advantaged investments such as municipal bonds, IRAs and Life Insurance.

Understanding your retirement plan and what it is worth and strategies on how to choose benefits wisely and take control of your finances.

Shares a perspective on a process women can use and discusses employer sponsored retirement plans, IRAs and other strategies for saving.

Social media can certainly be a time waster but let's talk about how you can save time and money with this introduction to social media.

If you run your own business, work for someone else, or raise a family, you need to know how to navigate through the financial world.

Learn what kind of property must be distributed through Illinois Probate. Learn strategies to use so your estate can avoid Probate on your death.

Have you ever gotten calls from Microsoft asking for your credit card information? Here, we will look at ways scammers try to trick you.

Learn the secrets companies use when they charge you to "fix" your credit. This class will help you clean up your credit report.

Learn 10 Simple Steps you can take to start improving your score and your finances. Order and print your own credit report for personal review.

Money Mentors will be available to answer your financial questions and pull credit reports.

Connect Transit staff will educate on the savings that are possible by using public transportation as well as other benefits.

How you prepare for the possibility of needing long-term care someday could be the most important financial decision you'll ever make.. credit & Debt Management Learn strategies that could possibly save you thousands of dollars in lost benefits.

Explore 3 types of income: variable, reliable, and rising. Also explores why an income stream is important and how to use the different types Learn to maximize use of grants, financial aide & scholarships. Discuss using IRAs and Roth IRAs for education, and how to set up a 529 accounts.

Discover how to research your needs and wants, things you should look out for, and how to make the best use of your realtor.

YWCA YWCA St. John's Lutheran Church YWCA McLean County Chamber of Commerce YWCA Chestnut Health Systems Heartland Comm College in Pontiac, RM 220

Nearly 90 percent of women will be solely responsible for their financial situations at some point in their lives.

Can't Qualify for a Home Loan? Here's What You Need to Do. Doing Business with the Government 10 Steps to Financial Freedom Do-It-Yourself--Organic Gardening Money Smart Kids Read storytime and activity for kids 3 and up Money Smart Kids Read storytime and activity for kids 3 and up Money Smart Kids Read storytime and activity for kids 3 and up Rebuilding Your Credit and Managing Your Money The Life Insurance Decision: How to Select the Right Plan/Amount for you and your family.

Pros and Cons of the Credit Card

Monday, April 20, 2015 9:00 AM 10:30 AM 12:00 PM 12:00 PM 1:30 PM 2:30 PM 3:30 PM 4:00 PM 4:30 PM 4:30 PM 6:00 PM

IRA & 401k Rollovers-Navigate Benefits & Create New Retirement Strategies The Five Advantages of Funeral Pre-Planning ID Theft Protection for Computers and Gadgets Planned Giving with CARE Planning for Incapacity: The Power of Attorney and Revocable Trust How to get the MOST out of your Bank or Credit Union Tempting Numbers at the Supermarket. 10 for 10, 1 at half price, Savings ?

Social Security Maximization 10 Steps to Financial Freedom Are Store Brands the Same as Advertised Brands? Come Compare College Planning Strategies

Tuesday, April 21, 2015 9:00 AM 9:00 AM 9:30 AM 10:30 AM 11:00 AM 12:00 PM 12:30 PM 1:30 PM 1:30 PM 2:00 PM 3:00 PM 3:30 PM 4:00PM 4:30 PM 5:00 PM 5:30 PM 6:00 PM 6:30 PM 7:00 PM 7:30 PM

Fraud Awareness I Want To See My Credit Report Financial Fitness, Creating a Strong Financial Roadmap for the future Tax-Free Investing: It's not what you make, it's what you keep!

Navigating Finances & Benefits as a Result of Career Changes Five Money Questions for Women Social Media 101 Building a Healthy Financial Future Illinois Probate: What is Probate . . . and the Strategies to Avoid It Internet Scams How to Repair Your Credit for Free The Road to 850- Driving to a Perfect Credit Score Money Mentor Help Desk It Pays to Ride Public Transportation Long-Term Care: What's Your Plan?

Assess Your Finances Today and Plan for the Future Social Security Maximization Building Your Investment Income Foundation College Planning Strategies Home Buying: As easy as 1, 2, 3

Wednesday, April 22, 2015 9:30 AM 9:30 AM 10:00 AM 11:00 AM 11:30 AM 12:30 PM 1:00 PM 2:00 PM

Empowering Women- Top 6 Potential Pitfalls for Women Why are things always on sale at the Department Store Senior Living Opportunities: Your House and other Options as you age.

Power Cooking and Freezer Meals Retirement Planning for a Changing Economy Empowering Women- Top 6 Potential Pitfalls for Women My Credit Report and Credit Score Building a Healthy Financial Future

Learn about senior living options: independent living, assisted living, continuing care, skilled nursing, home health care and hospice services.

Learn how to save on your grocery budget and save time with "Power Cooking" Learn how taxes and inflation impact retirement. Discuss stretch IRAs, RMDs and benefits of an "Exit Strategy."

Nearly 90 percent of women will be solely responsible for their financial situations at some point in their lives.

Learn what information is in your credit bureau report, why it is so important, how to correct errors and how does it impact your credit score.

If you run your own business, work for someone else, or raise a family, you need to know how to navigate through the financial world.

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MONEY SMART

Pantagraph, Friday, April 17, 2015

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Date/Time: Program Title

Venue

2:00 PM 3:30 PM 3:30 PM 3:30 PM 5:00 PM 5:00 PM

YWCA YWCA YWCA YWCA Heartland Bank Hershey Rd YWCA

Come with questions and the panel of local bankers will help you get the biggest bang for your buck from your bank or credit union.

Shares perspective on a process women can use to identify financial goals and set a strategy.

Discover how to properly prepare for retirement and discuss various investment choices, saving basics, and tools available for managing debt.

Techniques to protect computers, smartphones, and tablets from spyware, viruses, phishing schemes, and ransomeware.

Learn the basics of home financing and loan programs.

An explanation of the different expenses that a mutual fund investor may pay.

Heartland Community College, WDC 1402 Heartland Community College, WDC 1404 Heartland Community College, WDC 1403 Heartland Community College, WDC 1402 Heartland Community College, WDC 1404 Heartland Community College, WDC 1402 Heartland Community College, WDC 1403 Heartland Community College, WDC 1403 Heartland Community College, WDC 1404 First State Bank of Bloomington Heartland Community College, WDC 1402 Heartland Community College, WDC 1405 Bloomington Country Club Heartland Community College, WDC 1404 Heartland Community College, WDC 1405 Mid Central Community Action Heartland Community College, WDC 1403 Heartland Community College, WDC 1400 Avanti's Bloomington Calvary United Methodist Church, Room 111 Bloomington Public Library Calvary United Methodist Church Heartland Community College, WDC 1402 Heartland Community College, WDC 1400 Heartland Community College, WDC 1405 Heartland Community College, WDC 1403 Heartland Community College, WDC 1402

Learn how not to outlive your money and how taxes and inflation impact retirement.

How you prepare for the possibility of needing long-term care someday could be the most important financial decision you'll ever make..

"This session will cover the fundamental concepts of investing and potential strategies to help build wealth.

Knowing what Medicare is and what it is not is important. Learn how your current health insurance figures into this transition.

The Western diet promotes inflammation. We will talk about which foods are the culprits and guide us to better health.

Social Security benefits for a married woman may be her only source of income if she outlives her spouse. And very likely she will.

A look at different types of retirement plans available to small business owners and self employed individuals.

This overview of financial therapy, including what it is, who can provide it, and the benefits of financial therapy for individuals and families.

Never fear, we'll scope out a budgeting tool that loves you for you, even if you hate numbers.

Focus on retirement planning and investing before and during your retirement years.

Ever wonder how much money you're wasting each month on your utility bills? Learn 10 straightforward ways you can save energy and money.

Options for what to do with money from a previous employer sponsored plan. Learn about traditional, Roth IRAs and pensions.

Learn how to leverage the power of your estate to make a philanthropic impact during retirement and beyond. Tips for planning ahead.

We will show the steps to start a process to work on your retirement goals to help make it a reality.

Encourages developing a budget, identifying financial goals, understanding the balance between spending, saving and borrowing.

Ladies, take control of your finances and make a plan to retire, invest and much more! Make an action plan to prepare for a bright financial future.

Ways to enhance your garden and containers using what you have to add interest, character and fun.

"More than just a ""Do I take it early or not"" decision - Help be better prepared to make informed decisions" This is for anyone ages 55-70 who is not yet receiving Social Security Benefits. Discover what your options are and the best age to claim benefits.

Learn to create an emergency fund, pay off debt, create savings, a retirement plan, college fund and pay off the mortgage early.

Location considerations - where should your business be, and do you rent, buy or work from home?

Learn the answer to the most commonly asked question to estate planning attorneys, "Should I have a Will or Trust for my estate plan?"

Learn about Estate Planning with Life Insurance, Life Insurance Trusts, the benefits of Life insurance during critical illness and long term care.

Understand your attitudes about risk in your retirement income plan. Discuss strategies to get the most out of your Social Security benefit.

This session will cover the fundamental concepts of investing and potential strategies to help build wealth.

Ways to enhance your garden and containers using what you have to add interest, character and fun.

We will discuss reasons for career changes, methods on understanding your retirement plan and what it is worth.

Heartland Community College, WDC 1402 Heartland Community College, WDC 1405 Heartland Community College, WDC 1404 Westminster Village Heartland Community College, WDC 1403 Heartland Community College, WDC 1402 Westminster Village Heartland Community College, WDC 1403 Heartland Community College, WDC 1403 Heartland Community College, WDC 1405 Heartland Community College, WDC 1404 Heartland Community College, ACEC 2400

You will learn to understand the consequences of business-related decisions before you make them.

Shares tips on how to develop a proactive strategy for protection and preparing for the unexpected.

Protecting older citizens continues to be one of the most important responsibilities of the Attorney General’s office.

Donate when it makes the most sense for you to get a tax break from your gift. You decide how and when to distribute grants from your account.

Learn about parts of a will and who needs one. Discuss strategies that will assist you in minimizing death or estate taxes.

Learn some of the methods that scammers use to defraud small business, and ways to protect yourself.

Review of law of wills, trusts and powers of attorney for healthcare & property.

Learn about maximizing tax savings and create a tax-free wealth transfer.

Learn how to calculate benefits, using delayed retirement credits. Learn what age you should collect benefits.

Learn basics to help investors evaluate if stocks fit into their overall strategy. Discuss common vs preferred, dividends, and investment stocks.

All the best facts and fables from credit reports to credit cards, all in the name of better understanding credit.

Too many papers in too many places? Come hear what to assemble in a Grab and Go format you or your family can use in any emergency.

First State Bank of Bloomington Home Depot Luther Oaks First State Bank of Bloomington Evergreen Village

A review of the many different options that can be used to fund your business. This will help you get to know the methods that are best suited to you.

Check this website for more information, workshops.homedepot.com Discuss factors for successful money management and how to budget for economic change. Learn how to capitalize during a market correction.

You have a big investment in your small Business - How do you protect It and You? Explore the options and which ones fit your situation.

Learn the 3 parts of a will and why having this in order now is so important. Discover what “probate” means and can it be avoided.

How to get the MOST out of your Bank or Credit Union 5 Money Questions for Women Finances for Women ID Theft Protection for Computers and Gadgets Home Financing 101: Making Home Ownership a Reality!

Mutual Fund Expenses. What Do I Get For My Money?

Description:

Thursday, April 23, 2015 9:00 AM 10:00 AM 10:00 AM 11:00 AM 12:00 PM 12:00 PM 1:00 PM 3:00 PM 4:00 PM 4:00 PM 5:00 PM 5:00 PM 5:00 PM 5:30 PM 6:00 PM 6:00 PM 6:00 PM 6:00 PM 6:00 PM 6:30 PM 6:30 PM 6:30 PM 7:00 PM 7:00 PM 7:00 PM 7:00 PM 8:00 PM

Retirement Planning: In a Changing Economy Long-Term Care: What's Your Plan?

Rules of the Road Medicare: Information Q&A How the Foods You Eat Can Make You Healthier Social Security Strategies for Women Retirement Plan Alternatives for Small Businesses Financial Therapy: What it is and How You Can Benefit I Stink at Budgeting Planning and Investing for Retirement Being Energy Bright: 10 ways to Save Money and be Comfortable in your Home Leave It, Move It, Roll It, Take It: Know Your Employer Retirement Plan Smart Giving Making your Retirement Vision a Reality Bring Balance to Your Budget Seminar Ladies, take control of your finances and make a plan for your future Save Money, Recycle, Repurpose your Garden Using Castaways.

Social Security Maximization Understanding Social Security Better than Luck or the Lottery Essentials of small business - Locating Your Business Will vs. Revocable Trust: Which One is Right for Your Estate Plan Life Insurance: How to Select the Right Plan and Amount Retirement Income: An Owner's Manual Rules of the Road Save Money, Reuse, Recycle, Repurpose Existing Plants in Unique Ways.

Financial Transitions

Friday, April 24, 2015 9:00 AM 9:00 AM 9:00 AM 10:00 AM 10:00 AM 10:00 AM 10:00 AM 11:00 AM 12:00 PM 1:00 PM 3:00 PM 5:30 PM

Business Succession: Learn how your business fits into your retirement plan Ready or Not? Preparing for the Unexpected Seminar Scams for Seniors and Caregivers Community Foundation Helps You Save on Taxes & Grow Your Community Estate Planning: Wills and Trusts Scams and Data Breeches for Small Businesses What You Need to Know About Wills, Trusts, and Powers of Attorney Planned Giving with CARE Advanced Social Security Planning Stocks: The Nuts & Bolts Credit Myths: Discredited Tips to Organize Your Records NOW, Before Others Need Them

Saturday, April 25, 2015 9:00 AM 10:00 AM 10:30 AM 10:30 AM 1:00 PM

What Business Financing is Right for You Do-It-Yourself, Basic Gardening Financial Planning in Uncertain Times-What goes up must come down What Insurance does Your Small Business Need?

Estate Planning for Families Facing Catastrophic Illness - What you Really Need to Know

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Pantagraph, Friday, April 17, 2015

MONEY SMART

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2015 Money Smart Week Partners Advocate BroMenn Medical Center B2 Capital Management, LLC Bloomington Public Library Busey Bank Calvert & Metzler Memorial Home CEFCU Central Illinois SCORE CEO Lifespace Communities, Inc. Chestnut Credit Counseling Services Commerce Bank COUNTRY Financial Douglass Financial Services Dunn Law Firm, LLP East Central Illinois Area Agency on Aging Eastern Illinois University Ecology Action Center Edward Jones Family Credit Management First Financial Bank First Investment Services First State Bank of Bloomington Food Stuff, Inc Forward Financial Planning, LLC Foundation for Financial Education Great Plains Media Grieder Agency Heartland Bank and Trust Company Heartland Community College Heritage Health Housing Authority of the City of Bloomington Illinois Office of the Comptroller Leslie Geissler Munger Illinois Prairie Community Foundation KueblerNicholas Financial Group, LLC Leighton Legal Group Macaroni Kid Bloomington-Normal McBeath Financial Group McLean County Chamber of Commerce McLean County Master Gardeners Mid Central Community Action Mid-Illini Credit Union Normal Public Library Pastelle & Healthy Cells Magazine PNC Bank Radio Bloomington Retirement Planners Senior Health Insurance Program Soy Capital Bank State Farm Bank The Pantagraph Towanda District Library True North Financial Coaching University of Illinois Center for Economic and Financial Education University of Illinois Extension WEEK TV WGLT WHOI TV YWCA McLean County 50 Plus News and Views

FOR BUILDING A SOLID FOUNDATION. PNC is proud to support Money Smart Week. Because we know the importance of understanding our finances and what it means to our future.

Stop by any PNC Bank Branch in Bloomington-Normal or call 888-PNC-BANK pnc.com

Š2014 The PNC Financial S er vices Gr oup, Inc. All r ights res er ved.

PNC Bank, National Association. Member FDIC

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Pantagraph, Friday, April 17, 2015

THANK YOU TO THE SPONSORS OF MONEY SMART WEEK

State FarmBank® proudly supports Money Smart Week and the goal to improve financial literacy with two free programs in April:

ª I Stink at Budgeting” Thursday, April 23, 4:00–5:00 p.m.

ª Credit Myths: Discredited” Friday, April 24, from 3:00–4:00 p.m.

Both programs are in Room WDC 1404 at Heartland Community College, 1500 West Raab Road, Normal.

Bank with a Good neighbor®.

State Farm Bank, F.S.B. Bloomington, IL

statefarm.com® 1501386

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Pantagraph, Friday, April 17, 2015

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Mid-Illini Credit Union is a proud partner of Money Smart Week Illinois.

Our own Cranston Sparks is teaching three classes on April 18 at the Home Extension Office 1615 Commerce Parkway in Bloomington. Please join us!

9 am: Can’t Qualify for a Home Loan? Here’s What You Need to Do. Can’t obtain a home loan due to credit, debt or not enough money?

Learn the steps to correct those problems and get on the track for home ownership!

10 am: Rebuilding Your Credit and Managing Your Money

Learn how to rebuild your credit and increase your credit score.

Acquire the knowledge to improve your credit through proper money management!

Cranston Sparks, CCUFC Certified Credit Union Financial Counselor

11 am: Pros and Cons of the Credit Card

Credit cards are essential and good but can, at times, cause you problems.

Learn when to use them and how to avoid or rid yourself of the traps that can hurt you!

How to get the MOST out of your Bank or Credit Union Bring your banking questions and ask the experts how to get the biggest bang for the buck from your bank or credit union!

2:30 pm Monday, Apr 20: US Bank | 1702 Eastland Drive

2:00 pm Wednesday, Apr 22: YWCA, 1201 Hershey Road

PO Box 1266, Bloomington, IL 61702 | www.midillinicu.com

From pennies to paychecks Kindergarten to college. Apartments to houses.

Ideas to businesses. 9-to-5 to retirement.

Your money can grow as you grow; we’re here to help.

Proud to Support Money Smart Week

commercebank.com / 823.7275